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First State Bank

Tahlequah, OK · Cert 22448 · Maxlou Bancshares Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$82.1MAssets
$52.0MLoans
$74.1MDeposits
$7.3MEquity
Loan mix
84%RE $43.0M9%C&I $4.8M7%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
82%Interest-bearing $60.7M18%Noninterest $13.4MQ2 2025Q2 2026

NIM

5.67%Q2 ’245.55%Q2 ’255.61%Q2 ’26-3%+8%

Non-interest income vs. expense

3.49%Q2 ’242.84%Q2 ’253.12%Q2 ’26-18%+4%

Executive Summary

  • Earnings: ROA of 0.13%, down 32 bps year over year; NIM at 3.39%.
  • Asset quality: problem loans at 2.25% of loans (+28 bps YoY), with net charge-offs at 1.14%.
  • Capital: tier 1 leverage ratio of 10.37%, up 10 bps from a year ago.
  • Funding: loans stand at 70.21% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.13%-32 bps YoY

Net Interest Margin (quarter, annualized)

3.39%+24 bps YoY

Efficiency Ratio (quarter, annualized)

79.90%-183 bps YoY

Tier 1 Leverage Ratio

10.37%+10 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.45%1.16%0.04%0.39%0.13%-32 bps
Return on Equity5.66%13.06%0.46%4.32%1.43%-424 bps
Net Interest Margin3.15%3.27%3.28%3.26%3.39%+24 bps
Efficiency Ratio81.73%67.47%92.42%80.41%79.90%-183 bps
Non-Interest Burden2.51%1.75%3.00%2.52%2.61%+9 bps
Growth
Asset Growth (YoY)5.69%-2.77%-6.10%-5.77%-1.40%-709 bps
Loan Growth (YoY)6.16%-0.73%-0.44%1.64%-0.76%-693 bps
Deposit Growth (YoY)4.07%-3.85%-10.31%-7.46%-1.50%-557 bps
Asset Quality
Nonperforming Loans / Loans1.97%0.95%2.39%2.70%2.25%+28 bps
Net Charge-Offs / Loans0.66%0.28%0.00%0.05%1.14%+48 bps
Allowance / Loans1.32%1.40%1.45%1.48%1.45%+13 bps
Allowance Coverage of NPLs0.7x1.5x0.6x0.5x0.6x0.0x
Capital
Tier 1 Leverage Ratio10.27%10.85%10.68%10.39%10.37%+10 bps
Total Risk-Based Capital10.27%10.85%10.68%10.39%10.37%+10 bps
Equity / Assets8.21%9.50%9.19%8.82%8.84%+63 bps
Liquidity & Funding
Loans / Deposits69.68%66.30%70.75%70.25%70.21%+52 bps
Liquid Assets / Assets0.16%0.15%0.15%0.14%0.14%-2 bps
CRE / Total Capitaln/a190.06%222%226%n/an/a